# Citizens & Northern share price today (Citizens & Northern Corporation, CZNC)

> Citizens & Northern Corporation's share price has risen faster than its earnings: +48.2% in a year, against −13.6% for earnings per share. CZNC · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/cznc

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $28.56 (+48.2% in a year)
- P/BV: 1.5× (higher than 100% of the last 1 year)
- Revenue (Sep 2026): $42.7 M (+55.9% on a year ago)
- Profit (Sep 2026): $16.3 M (+150.6% on a year ago)
- Net margin: 38.1% (+14.4 points on a year ago)
- ROE: 11%, FY25
- ROA: 1.21%, latest

The main question: the share price moved +48.2% in a year while yearly earnings per share moved −13.6%. The difference came from the market paying a higher multiple. ## What is the Citizens & Northern share price today? Citizens & Northern Corporation's share price was $28.56 at the close on 4 November 2026. That is 20.7% above its average price over the last 200 trading days. In the last 52 weeks it traded between $19 and $29, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 16 weeks in a row. Over the last 1 year the share price moved +44% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Citizens & Northern pay? Citizens & Northern Corporation paid $1.12 per share over the last four reported quarters. The most recent declaration was $0.28 for Jun 2026. At today's price of $28.56 that is a yield of 3.92%, based on dividends already paid, not a forecast. ## Which stock lists is Citizens & Northern on? Citizens & Northern is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Citizens & Northern profitable? Citizens & Northern Corporation earned $16.3 M of net profit in the Sep 2026 quarter, +150.6% on the same quarter a year earlier. That is the 2nd quarter in a row of profit growth. Full-year FY25 profit was $23.2 M. Over 4 years profit has grown −6.4% a year on average. That is 38.1% of the quarter's revenue. The same quarter a year earlier earned $6.5 M. For the full year, FY25 profit was $23.2 M (−9.7% on the year before). Why profit moved: revenue changed +55.9% on a year earlier and the margin moved +14.4 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +35.4% and revenue +30.0%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Citizens & Northern make, and is it growing? Citizens & Northern Corporation reported $42.7 M of income in the Sep 2026 quarter, +55.9% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 4 years it has grown 3.9% a year on average. The last full year, FY25, came in at $117 M. The last four reported quarters add to $143 M. FY25 revenue was $117 M, +9.9% on the year before. Recent pace: the last four quarters grew +30.0% on average, against 3.9% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +30.1%, against +18.3% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +30.3%, against +26.6% a year (accelerating). ## How much does Citizens & Northern keep from what it earns? Citizens & Northern Corporation's net margin was 38.1% in the Sep 2026 quarter, 14.4 percentage points higher than the same quarter a year ago. Across 5 years it has been between 19.9% and 30.3%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Citizens & Northern's loans have gone bad? Citizens & Northern Corporation does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Citizens & Northern's loan book growing? Citizens & Northern Corporation's revenue was $117 M in FY25, +9.9% on the year before, so the loan book is growing. The latest quarter was +55.9% on a year earlier. The net margin on that income is 38.1%, +14.4 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Citizens & Northern's P/BV ratio, and how does it compare with its own history? Citizens & Northern Corporation's P/BV is 1.5×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.1×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 11% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +48.2%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Citizens & Northern business getting better or worse? Citizens & Northern Corporation's business is giving mixed signals. There is no clear direction across the growth lines, with ROE rising at 10.2%; each line tells part of the story. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does Citizens & Northern earn on its equity and assets? Citizens & Northern Corporation earned a return on equity of 7% in FY25. That is its lowest yearly reading on file. On its assets, every $100 earned about $1.21, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Citizens & Northern have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Citizens & Northern shareholding pattern? 1.9% of Citizens & Northern Corporation's tradable shares are in short positions, which are bets that the price will fall, so very few traders are betting against this stock. At normal trading volumes, closing those positions would take about 6.0 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Citizens & Northern from balance-sheet trouble? For Citizens & Northern Corporation, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Citizens & Northern rank in its industry? There is no score against its industry: Citizens & Northern Corporation is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Citizens & Northern compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Citizens & Northern in size? Citizens & Northern is the 212th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Orange County Bancorp, Inc., Ponce Financial Group, Inc. and West Bancorporation, Inc. Just below it: Farmers & Merchants Bancorp, Inc., Home Bancorp, Inc. and Bank of Marin Bancorp. ### Banks - Regional companies close in size

1. [Orange County Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/obt) $542 million
2. [Ponce Financial Group, Inc.](https://www.sectoralpha.in/us/stocks/pdlb) $536 million
3. [West Bancorporation, Inc.](https://www.sectoralpha.in/us/stocks/wtba) $531 million
4. Citizens & Northern Corporation $513 million
5. [Farmers & Merchants Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fmao) $510 million
6. [Home Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/hbcp) $487 million
7. [Bank of Marin Bancorp](https://www.sectoralpha.in/us/stocks/bmrc) $473 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [REGENXBIO Inc.](https://www.sectoralpha.in/us/stocks/rgnx) $504 million · Biotechnology
2. [Hallador Energy Company](https://www.sectoralpha.in/us/stocks/hnrg) $502 million · Utilities - Independent Power Producers
3. Citizens & Northern Corporation $502 million
4. [Yuanbao Inc.](https://www.sectoralpha.in/us/stocks/yb) $500 million · Software - Application
5. [Delcath Systems, Inc.](https://www.sectoralpha.in/us/stocks/dcth) $500 million · Medical Devices

## What else do people ask about Citizens & Northern? ### What were Citizens & Northern's latest quarterly results? Citizens & Northern Corporation reported total income of $42.7 M and net profit of $16.3 M for the Sep 2026 quarter. Income rose 55.9% and profit rose 150.6% compared with a year earlier. Earnings per share were $0.92 (as of 4 November 2026). ### What is Citizens & Northern's market cap? Citizens & Northern Corporation's market capitalisation is $513 M at a stock price of $28.56. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Citizens & Northern performing? Citizens & Northern Corporation's latest readings are below. In its latest quarter, income rose 55.9% and profit rose 150.6% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 16 weeks running. This describes what the data did, not a rating (as of 4 November 2026). ### Will Citizens & Northern's stock price go up? This page does not forecast Citizens & Northern Corporation's stock price. What it shows instead: the stock price is $28.56. Its P/BV of 1.5× is higher than 100% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is Citizens & Northern in its business cycle? Citizens & Northern Corporation's FY25 net margin was 19.9%, against a 5-year range of 19.9% to 30.3%: the low end of its own range, which is often where recoveries start. The latest quarter was 38.1%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Citizens & Northern story? The main question: the share price moved +48.2% in a year while yearly earnings per share moved −13.6%. The difference came from the market paying a higher multiple. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Citizens & Northern a stock worth studying right now? What the numbers show: Citizens & Northern Corporation's share price has risen faster than its earnings: +48.2% in a year, against −13.6% for earnings per share. The main open question: whether earnings grow into a price that has already moved. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.